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Orlando FCU

Conventional Mortgages

The most popular type of mortgage, ideal for people with good or excellent credit.

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Mortgage icon
  • Purchase or refinance
  • Fixed and adjustable rates
  • Borrow up to 90% of the home’s value
  • No mortgage insurance required with down payment of 20% or more
  • Low closing costs

First-Time Homebuyer Program

If you’re purchasing your very first home, you can take advantage of one of our best mortgage programs.

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House icon
  • Fixed rate
  • Maximum loan amount: $484,350*
  • Borrow up to 97% of the home’s value

First Responder Mortgage Program

You’ve dedicated your life to helping others, and now we’re here to help you. First responders such as paramedics, police officers and firefighters are eligible for this mortgage program.

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First Responder icon
  • Fixed rate
  • Maximum loan amount: $484,350*
  • Borrow up to 97% of the home’s value
  • Waived Appraisal Fee

Government-Backed Loans

Federal Housing Administration (FHA) Mortgage

FHA loans are ideal for homebuyers who have a limited down payment. These loans are insured by the Federal Housing Administration.

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Government icon
  • Fixed rate
  • Requires 3.5% minimum down payment
  • Maximum loan amount: $314,827*
  • Borrow up to 96.5% of the home’s value
  • Requires payment of mortgage insurance premiums

Veterans Affairs (VA) Mortgage

We’re happy to serve those who serve our country. VA mortgages require less money up-front than other mortgage types and are guaranteed by the Department of Veterans Affairs.

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Veterans icon
  • Fixed rate
  • No minimum down payment requirement
  • Maximum loan amount: $484,350*
  • Borrow up to 96.5% of the home’s value
  • No mortgage insurance requirement

U.S. Department of Agriculture (USDA) Mortgage

Looking to buy a rural property? The USDA backs loans specifically for home purchases in eligible areas.

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Veterans icon
  • Fixed, 30-year term
  • No minimum down payment requirement
  • Borrow up to 100% of the home’s value

Mortgage Rates

Conventional Mortgage (15-Year Term)

As Low As

3.250% APR**

Conventional Mortgage (30-Year Term)

As Low As

3.750% APR**

* Loan amounts vary for multi-family homes.

** Annual Percentage Rate

NMLS #569755

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